Grand Rapids, MI · Charter 62347
NCUA · 11 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.50% | 1.80% | 1.83% | 1.00% | 1.09% | 1.07% | 1.05% | 1.11% | +11 bps | |
| Return on Equity | 7.51% | 8.74% | 8.99% | 6.06% | 6.34% | 6.21% | 6.08% | 6.40% | +34 bps | |
| Net Interest Margin | 3.99% | 4.06% | 3.98% | 3.46% | 4.01% | 4.18% | 4.50% | 4.49% | +103 bps | |
| Efficiency Ratio | 68.64% | 63.27% | 61.97% | 75.55% | 74.76% | 74.19% | 76.67% | 75.52% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.49% | -0.62% | 1.13% | 75.24% | 74.08% | 75.13% | 72.47% | 1.62% | -7,362 bps | |
| Loan Growth (YoY) | -15.11% | -15.93% | -17.21% | 78.07% | 84.10% | 87.78% | 93.64% | -7.22% | -8,529 bps | |
| Share Growth (YoY) | -6.23% | -3.03% | -1.28% | 80.40% | 79.07% | 80.68% | 79.48% | 0.97% | -7,943 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.61% | 0.30% | 1.58% | 1.44% | 1.55% | 1.15% | 0.92% | -66 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.03% | 20.56% | 20.38% | 16.51% | 17.22% | 17.27% | 17.26% | 17.32% | +81 bps | |
| Net Worth / Assets | 20.03% | 20.56% | 20.38% | 16.51% | 17.22% | 17.27% | 17.26% | 17.32% | +81 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.54% | 56.77% | 52.03% | 59.99% | 61.21% | 59.01% | 56.13% | 55.12% | -487 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |